Banco Popular de Puerto Rico

Tim is responsible for the administration and oversight of a $7 million program to prevent, detect and investigate claim fraud at CNA, the country�s eighth largest commercial insurance writer. Prior to his current role, he has held various positions during his 24-year career at CNA, including liability claim representative and field investigator. Prior to his career with CNA, Tim was in law enforcement for twelve years, where he served with the Avon and Somerset Constabulary in Bristol, England, and the Bermuda Police Service. Tim serves on the Board of Directors for the Coalition Against Insurance Fraud and the SIU Management Advisory Committee for the National Insurance Crime Bureau.� He has been featured in a number of industry publications and periodicals, including Insurance Networking News, Insurance & Technology magazine and Business Insurance magazine.�In 2011, Tim led the successful implementation of a groundbreaking predictive analytics program to improve claim fraud detection, in recognition for which CNA received the prestigious Celent Model Insurer Award in 2013. He currently makes his home in Phoenix, Arizona.�

Chris has led Financial Services analytic teams for over 17 years.� Presently he�s a Senior Director of the Ameriprise Auto and Home Insurance analytic team, where he�s responsible for developing, implementing and monitoring predictive modeling and analytics across business lines.� Recent initiatives include pilots with the Strategic Investigations Unit and the Material Damage teams to reduce costs in Claims, and better leveraging of data and analytic tools for alignment across the Marketing, Underwriting, Pricing, Reserves and Claims teams.Previously Chris provided analytic solutions for a variety of units within Ameriprise.� Building teams located in a variety of geographies, he developed statistics-based product targeting tools for direct use by marketing teams, financial advisors and wholesalers, generating substantial increases in Gross Dealer Concession and Assets Under Management.� He initiated new business with the Surveillance, Securities America,and Columbia Asset Management subsidiaries which evolved into ongoing funded relationships.Prior to Ameriprise, he worked with American Express, where he was responsible for card acquisition campaign targeting, execution and tracking in international markets.� He also worked with Risk Management, where he developed and implemented new account underwriting models and created credit and authorizations risk models for consumer and small business cards.

Peter Hahn is the head of predictive analytics for Zurich North America, where he is responsible for building analytic capabilities intended to generate actionable risk insights to improve business decisions and performance. Previously, Hahn worked for McKinsey & Co., where he led the underwriting service line for the company’s North America insurance practice and helped P&C carriers apply analytic techniques intended to improve their risk assessment, underwriting and pricing decisions. He earned his master’s of business administration from the Harvard Business School, and a bachelor of commerce and bachelor of laws degrees from the University of New South Wales in Australia.

David Packer is a principal of X by 2, a technology company in Farmington Hills, Mich., specializing in software and data architecture and transformation projects for the insurance industry. �He has two decades� experience as a hands-on implementer of large-scale initiatives and combines �business-consulting, technology, and project-management expertise. He can be reached at dpacker@xby2.com.�

Chander Ramamurthy is an architect with X by 2, a technology company in Farmington Hills, Mich., specializing in software and data architecture and transformation projects for the insurance industry. He can be reached at cramamurthy@xby2.com.

As an Innovation leader, I am passionate about engaging our employees in creative ways to solve our biggest problems. By employing game mechanics, social media tools and rapid prototyping, I have successfully created a culture of innovation in a traditionally risk-averse environment while driving out solutions to some of our most pressing issues.��